What is the Motor Insurance Database?

If you are driving a vehicle in the UK, you should definitely be familiar with the Motor Insurance Database (MID), which is a centralized database that concerns all motor insurance policy owners.

All companies that offer auto insurance policies must also become members of the Motor Insurers’ Bureau, also known as the MIB. Whenever writing a new policy for a vehicle in the UK, they must submit the policy information to the MID. The MIB oversees this database, and the policy information for all vehicles is updated daily. This allows insurers, the MIB, police and others to correctly determine if a legal policy is in place for the vehicles on the road.

Uninsured drivers are a big liability. They can cause accidents that result in thousands upon thousands of dollars in damage and medical expenses. Without an appropriate insurance policy, they frequently don’t have the funds needed to cover the cost of their liabilities.

The MID can be accessed by the police, the Drivers and Vehicle Licensing Agency (DVLA), the MIB, and insurers, but even individuals can see if their vehicles are included in the database by visiting the askMID website. With the use of this database, police are better equipped to combat the problem of uninsured drivers. The DVLA is also better able to take a stance by regularly checking the standing of insurance policies before renewing licenses. Finding and penalizing uninsured drivers is the best way to ensure that innocent people are not financially harmed by the irresponsibility of others on the road. It is important that those liable in an accident have the ways and means to pay for the damage that they cause. In the vast majority of instances, those means come from the insurance policy registered with the MID.

Uninsured drivers can cost you a great deal if they are liable for an accident that leaves you with damaged property or serious medical issues. You can seek legal assistance. You do have rights, and we’ll be here to help you protect them.

Keeping a Dog under Control

Personal injury cases are not always about car accidents, bus accidents, or malfunctioning products. More and more often, the courts are hearing cases about dog bites. The attacks, which can leave the victims seriously maimed, and have even resulted in loss of life, can occur in public, private, or even within the dog owner’s home.

For the simple reason that so many people have been killed or injured, certain breeds have even been outlawed. A resident of the UK cannot own a pit bull, for instance, but that doesn’t mean that dog attacks are prevented. Any breed can act out, when mistreated, ill, scared, or otherwise provoked. It is essential as a pet owner to be able to read the warning signs and to ensure that both your dog and visitors are kept safe.

A dog is considered to be out of control if it injures a person, someone else’s pet, or causes someone to fear injury. While your pet has certain rights, those are abolished when the animal acts in an aggressive or threatening manner. In fact, it is perfectly legal for a farmer to shoot at, or even kill your dog, if it is causing harm to livestock.

Remember, it isn’t only your dog that could pay the price for poor behavior. That sort of aggression is very dangerous. The courts recognize this, and you could be forced to pay penalties up to twenty thousand pounds, or even go to prison for up to six months as a result of your dog’s actions. That’s if the dog merely threatens someone else. If you knowingly allow your dog to injure or kill another person, you could be sent to jail for five to fourteen years. There is no minimum fine for such an offense.

Additionally, a victim of a dog attack has the right to sue its owner for the injuries suffered. You could be held liable for any lost wages and other financial losses related to the attack.

 

If you or someone you know has been injured in a dog attack, please contact us now for more information.

What Constitutes a Personal Injury?

The time after an accident can be a fairly stressful one. There are many things to consider, in addition to the obvious physical or mental anguish. When the injuries have led to financial suffering or have disrupted your ability to continue enjoying your usual quality of life, then there is reason to consider speaking with a personal injury solicitor. One of the biggest questions asked – one of the biggest concerns that can hold a person back from seeking the deserved compensation – is what constitutes a personal injury.

Some cases are obvious. If you break a hip as a result of slipping on a wet restaurant floor, for instance, you can feel certain that you have suffered a personal injury. However, other instances are not so straight forward. For that reason, we have compiled a list of examples.

Physical Injury It might not be so straight forward as a broken hip. Whiplash, in a car accident, for instance, won’t necessarily be treated with a visible cast or brace, but can be very painful and require a great deal of medical care.

Disease or Illness If you ate at a restaurant, got very sick in the days after, and then learned that the source of your sickness was the fact that the restaurant served tainted meat, then you likely have a very compelling personal injury case. Another example that would fall under this subheading is the person who stays in the hospital for treatment, but is wrongfully exposed to disease. Any sort of disease or illness that results from someone else’s negligence should be discussed with an attorney.

Physiological Harm Injury isn’t always apparent. Instead, it can lurk under the surface for some time, creating real problems in every aspect of life. For example, after a car accident, you might have severe anger, lack of energy, or even sleep disturbances, reliving the accident again and again. Suffering psychologically is also a reason to seek retribution.

Financial Loss Even if you weren’t injured, you can take another person or organisation to the courts if negligence led to you suffering a financial loss. In the case of an accident, you may have unexpected payments, days off work, damage, and more that creates a real problem for your bank account. For that, you can seek compensation and justice, and we can help.

The Automatic 112 Call Coming Soon

In the world of personal injury law, we hear many devastating stories of critical injuries being left unattended, or lives being lost because other parties drive away, or because it was a single car accident that left the victim unconscious. Knowing that a life could have been saved or serious health complications could have been prevented, if rescue teams had arrived sooner is heart wrenching.

Now, there is hope that cases like this will end on a more positive note. Imagine, for a second, what it would be like to be that person, who was rammed from the side. The impact of your head hitting the side window is so bad that it knocks you out cold. You’re alone in the car in the middle of the night, and the hit sent that vehicle over an embankment, out of sight of passersby.

Without help, you could easily lose too much blood via that head wound. This leaves you in critical danger, but who is going to come to your rescue? eCall. The rescue alert system, which makes an automatic phone call to 112 call services was proposed a few years ago, but it was slow to work its way through various legislation. Now, it has been promised to the public. With this installed in a vehicle, a call would be sent to the emergency teams, giving them the information they need to ensure all victims are helped as soon as possible. The information sent will include the type of vehicle, as well as the time and location of the accident.

What about the cost? Though vehicle improvements, especially those that save lives are welcomed by the public, there is also a concern about the price. The experts are suggesting that this would add as little as £100 to the overall cost of the car. That’s a very small price to pay for the peace of mind that comes will knowing that, in the situation mentioned above, there would be help on the way.

If you or a loved one was recently injured in an accident, we can help. Give us a call today.

Traffic Accidents Related to Work: What You Need to Know Now

Traffic accidents happen. More than a quarter of a million people are injured on the roads each year, and many of those are driving company vehicles at the time of the accident. Just because you’re working while you’re involved in an accident, though, doesn’t lessen the consequences. Any car accident, even one while you’re on the job, can be a devastating experience. Learning a bit about what to do next, though, can help you through such a frustrating event.

  • As with any accident, the first step you want to take is getting medical help immediately. Even if you think you’re fine, physical injuries can present themselves days or weeks after the actual accident, so talking to your GP right away or going to the emergency department of your local hospital is essential.
  • Keep in mind that if your vehicle is insured by your employer, you’re actually covered by your employer’s plan, not your own. This is true no matter who may have been responsible for the accident, so you’ll need to talk with that insurance company, not the one from which you’ve purchased your own policy.
  • Trade unions sometimes offer free legal help for union members who are involved in accidents, so if you’re part of a union, you may want to contact them immediately after the accident has occurred.

In the event you are injured in a crash while you’re driving a company vehicle, you should immediately contact your employer. The company should be able to guide you through the next steps, protecting your health and safety at all costs.

Four Ways to Prevent Slip and Trip Accidents At Your Shop Now

There are lots of different reasons people slip and trip. Unfortunately, it all adds up to one thing – serious problems for your shop. From bruises to serious injuries, the consequences your customers might suffer are devastating. Is there anything you can actually do to ensure customers aren’t involved in a slip and trip on your property, though? Absolutely, and these tips can help.

  • Make good housekeeping a priority for your entire staff. If you can’t manage to keep it clean, you may not only be endangering your customers, but your employees as well. Plan what your shop should look like on a daily basis carefully, then assign employees to manage each responsibility involved.
  • Eliminate wet surfaces as often as possible. While you’ll likely never be able to eliminate all of the wet surfaces in or near your shop, there’s so much you can do to prevent injuries in cases like these. First, make certain your parking lot and the sidewalk in front of your shop are well maintained and clean. In the event it has snowed or gotten cold enough to leave ice near your shop, treat it so customers don’t fall. Inside your shop, “Wet Floor” signs are a must, as are anti-skid coatings in areas that create continual issues.
  • Proper lighting is a must. The more illuminated the area, the less likely you are to have slip and trips in your shop. If you experience any lighting problems, have them repaired by a professional immediately.
  • Perform a risk assessment on a regular basis. One of the best ways to eliminate the potential for slips and trips is to ensure you’re spotting those potential hazards before they become an issue. Insurance companies and government agencies like HSE all have risk assessment checklists you may want to consider to help guide you.

Slip and trip accidents are far more common than you might imagine, and working to prevent them for your customers and employees alike is nothing short of a must.

When Children are Injured: A Normal Part of Childhood or Negligence?

Accidents and injuries are often a normal part of childhood. Trips and falls happen, and children tend to get up, dust themselves off, and head off to play again. Unfortunately, that’s not always the case. Serious problems can occur in cases where safety measures failed or someone else was negligent. In situations like those, your child is entitled to compensation.

Don’t Hesitate

Many parents don’t make claims on behalf of their children for several reasons. Some are a bit concerned that a claim from a parent isn’t even allowed. That’s just not the case in the UK, though. Individuals under the age of 18 cannot file their own claims. A responsible adult is the only person who can file it for them.

Some parents are also concerned about the cost of filing a claim. With a no win no fee solicitor, though, cost is never an issue. Often called a Conditional Fee Agreement, solicitors work for free until the case is settled or won. Once that is complete, you pay a percentage of the winnings to the solicitor. If the case is never won, no legal fees are due.

The Time Limit

Many injury cases have to be filed within three years of the accident date. That rule, however, doesn’t apply to children. A child injury claim may be made at any point in time before the child’s 21st birthday. The sooner you make your claim, though, the sooner your child can obtain the compensation he or she deserves for those injuries.

Contact Us Today

If your child was injured, medical help is a must. After you’ve taken care of his or her health, though, it’s time to contact us to learn more about how we can help ensure your child doesn’t have to suffer because of the negligence of someone else.

Are You Responsible For Your Own Injuries If You Trip on the Pavement?

If you trip due to a dip in the pavement, a crack, or a hole that you simply didn’t see, you’re certain to feel a little sheepish, but does that mean you should actually be responsible for your own injuries? Who is truly responsible when you fall on the pavement?

If the condition of the pavement is what caused you to trip, you’re actually not responsible for your own fall. Instead, the responsibility reverts to the relevant local authority. Any defect has to be noted by the authority and repaired within a reasonable length of time to help prevent accidents like these from occurring. The problem, however, is defining a reasonable length of time and showing that your injuries were directly related to the problem spot in the pavement.

Is It That Serious?

Tripping may not seem too serious, but for some people, it has led to fairly severe injuries including broken bones, serious cuts, or even a concussion. While some people certainly exaggerate their injuries in cases like these, many legitimate problems can come from a simple pavement fall. Often individuals must make multiple visits to a GP, take time off work to recover, and deal with other consequences after falling on pavement that should have been long since repaired.

The Next Step

If you’ve been injured thanks to a slip and fall on damaged pavement, the first thing you should do is visit your GP or the local emergency department to ensure a professional takes a closer look at the seriousness of your injuries. If they are substantial, making a claim immediately is your right.

Contact us today to learn more about building a case and getting the compensation you deserve after a slip and fall on damaged pavement.

Who’s Responsible for Work-Related Accidents when Self-Employed?

Are you self-employed? Have you ever stopped to consider who would be responsible for covering your medical expenses if you were hurt during a work-related accident?

Currently, in the United Kingdom, there are more than a million workers living on reduced incomes or with no income at all as a result of a work-related illness or injury. The is a small number when compared to the twenty million, or more, workers who will miss multiple days of work because of such an accident this year. More than 2,500 people have died due to asbestos exposure, and more than one hundred will be killed on the job this year. When put into perspective, the chances of being harmed on the job are substantial.

As a self-employed person, you do take on some of the associated risk, but not all of it. RIDDOR, the reporting of injuries, diseases, and dangerous occurrences regulations, is important for the maintaining of job place safety. Nevertheless, there are millions of accidents reported each year. Employers are required to report and work-related deaths or any incidents that resulted in injury or illness. As a self-employed individual, there is no employer processing that report for you. However, if you are injured on another entity’s premises as a result of your work, the person in charge of that premises will be required to file the report for you.

If you were exposed to unsafe working conditions, even if you are not formally employed by the company, you may have a legitimate claim against the entity responsible for the premises. It will be important to speak to a lawyer to determine where the fault really lies. A legal professional can help you collect evidence and present a worthwhile claim against the negligent party, so that you may collect monetary compensation for the damages suffered.

Filing a Personal Injury Claim: What Information Do I Need to Provide?

If it is determined that the circumstances of your recent accident may entitle you to compensation, then you will want to prepare a personal injury claim. In order to be sure that there is enough information to properly file a case, you will need to provide a list of details to your solicitor.

Date of the Accident: An incident that leaves you with serious injuries or with a need for major repairs is not easily forgotten. Chances are that you won’t even have to seek this information, but will know it by heart. It is important to be able to provide both the date and the time of the accident as concisely as you can.

Details of the Accident: You must be able to provide a thorough account of what took place on that day. Your solicitor and the courts will want to know exactly what you were doing before the accident occurred, what happened in the moment, and how things played out afterward. Very often, the evidence is in the details, so be sure that you write down or record anything that stood out before meeting with your solicitor. If you happened to take pictures or to write down information at the scene, be sure to bring those with you as well.

In addition to the details of the event, you should be prepared to discuss the aftermath. This includes the injuries suffered and treatment received. You may have to release your medical records and may even be required to see another physician, who can confirm your doctor’s findings.

Witnesses: If there is anyone who can corroborate your story, or who might have seen the incident from a more beneficial angle, be sure that you collect his or her name and number. Your solicitor will want to contact witnesses before filing the case.

Loss of Wages? If your injuries resulted in your losing your job, caused you to take an extended leave or to be demoted due to physical limitations, bring evidence with you to the meeting with your solicitor.